For all of our frequent fliers out there who may be purchasing flights with reward points or frequent flier miles, travel insurance is still an option. In some unique cases, a plan may include a specific benefit dedicated to covering the cost of redepositing the miles or rebooking fees, but you would not be able to include the face value of the miles in your trip cost.

So what is insurable when using frequent flier miles to fly? Non-refundable fees and taxes associated with the miles. Most flights are a little more than we expected, when you add in baggage fees, state and federal taxes and other miscellaneous fees. All of these are insurable.

Also, any money you are required to spend (that is non-refundable) to make up the difference in ticket price can be covered. For instance, you have accumulated 5,000 free miles, however your trip will require 8,000 to book. You’ll need to purchase the additional 3,000 miles in order to book the flight, so that cost is insurable. Just remember to save any receipts showing the amount you paid out of pocket for the additional miles.

If there are any questions about what should or shouldn’t be included in your insured trip cost, in regards to flights booked using frequent flyer miles, please call our customer care representatives who will be able to help you through the process.